Skip to main content

Money Plan SOS

Steve Stewart

What’s it like to have no debt, no credit cards, and no credit score? It sounds like freakish existence in today’s world, but it’s what this podcast is all about.

Steve Stewart hasn’t had a single credit card or consumer debt since 2007. In 2010, he launched the Money Plan SOS podcast to share the knowledge gained while living a credit-free lifestyle. Along the way he learned about the negative effects of building a credit score and eventually found a way to be credit worthy - even without a mortgage!

The understanding you will gain from listening to the Money Plan SOS podcast is that you truly can have NO DEBT, NO CREDIT, and have NO PROBLEMS!

Listen as I walk you through the thoughts and ideas I had while going from a negative net worth to half a million in liquid assets and a paid-for house. You too can have no debt, no credit, and no problems.

Archived from iTunes at https://itunes.apple.com/us/podcast/moneyplan-sos-steve-stewart-budget-wisely-get-out-debt/id406167691. Items in this collection are restricted.

PART OF
Podcasts
More right-solid
More right-solid
SHOW DETAILS
up-solid down-solid
eye
Title
Date Published
Creator
Money Plan SOS
Sep 23, 2015 Steve Stewart
audio
eye 0
favorite 0
comment 0
#200: The MoneyPlan SOS podcast is now retired with this final episode. It was recorded LIVE at FinCon15 with nine bloggers who learned more about money by actually blogging about money. Financial education is not represented in our school systems, at least not on a national basis. However, learning how money really works should not be left to an untrained adult. Parents can try to educate their children, and many do, but the economics of money, and how we use money, has changed. Here is an...
Money Plan SOS
Sep 3, 2015 Steve Stewart, Chris Brown
audio
eye 1
favorite 0
comment 0
#199: Is tithing mandatory for Christians? Chris Brown and I discuss this to get to the root of the problem - which has little to do with ten percent. Chris Brown has been a pastor for several years, speaking to congregations and audiences all over the United States. Full show notes at https://moneyplansos.com/chris-brown-from-true-stewardship-is-tithing-mandatory-for-christians He recently became on of Dave Ramsey's Speakers and now hosts the popular True Stewardship Podcast. In this episode,...
Money Plan SOS
Aug 28, 2015 Steve Stewart, OG from Stacking Benjamins
audio
eye 1
favorite 0
comment 0
#198: OG (aka The Other Guy from Stacking Benjamins) joins me to share the 8 Great Mistakes in Investing Full show notes at https://moneyplansos.com/8-great-mistakes-of-investing-and-fractional-savings-accounts/  The 8 Great Mistakes of Investing are: Under-diversification  Over-diversification  Euphoria  Panic  Leverage  Speculating  Investing for yield and not total return  Cost basis dictating decision  Thanks to OG for coming over. You can find him at http://StackingBenjamins.com...
Money Plan SOS
Aug 21, 2015 Steve Stewart, Matt Ham
audio
eye 0
favorite 0
comment 0
#197: Matt Ham is an author, speaker, and small business owner. Five words uttered by a nurse changed the way he looks at life - and inspired him to redefine rich. Full notes with links at https://moneyplansos.com/matt-ham-has-redefined-rich/  Takeaways from this interview: It’s not how much you give - it’s how you give it (The Widow’s Mite) We shouldn’t feel guilty to spend and, surprisingly enough, we feel richer when we give. Whole Life Matters...
Money Plan SOS
Aug 13, 2015 Steve Stewart, Jon Stein
audio
eye 1
favorite 0
comment 0
#196: Jon Stein from Betterment and I discuss robo-advisors, why Betterment is so different, and what it takes to open an account. Use http://SteveStewart.me/Betterment to receive 30 days FEE FREE investing at Betterment Full show notes at https://moneyplansos.com/ins-and-outs-of-robo-investing-interview-with-betterments-jon-stein/  _______________________________________  M.J. Cossel wrote in about an article she read in the Dallas Morning News: Bad credit score can double insurance...
Money Plan SOS
audio
eye 1
favorite 0
comment 0
#195: Do you know why stories of people with $.32 refund checks are in the news? Because they are so rare!  Most people want to get a big tax refund. Getting a huge refund is an extremely inefficient use of money - both for you and for the government. I recommend adjusting your withholding so you can bring more money home and put it towards your goals: High-interest rate debt Building up reserves Saving or investing Run a mid-year income tax assessment Making course corrections in August helps...
Money Plan SOS
Jul 30, 2015 Steve Stewart, Ace Chapman
audio
eye 1
favorite 0
comment 0
#194: Although he has an entrepreneur’s heart, Ace doesn’t believe anybody should start their own business. It is much easier and profitable to buy an existing business, improve it, and sell it for a profit. Full notes at https://moneyplansos.com/ace-says-skip-the-startups-and-buy-a-business/
Money Plan SOS
Jul 23, 2015 Steve Stewart, Kirk Chisholm
audio
eye 0
favorite 0
comment 0
#193: Many people are being lured by the attractiveness of directing their own retirement plans. The trick is to do it right and have an asset, business, or income-producing entity that makes sense for YOUR retirement planning. Kirk Chisholm is a Wealth Manager, Economist, & Principal at IAG. He is also an expert of investing in alternative investments in self-directed IRA / 401k. Full notes at https://moneyplansos.com/what-you-need-to-know-about-self-directed-iras-mpsos193/ ...
Money Plan SOS
Jul 17, 2015 Steve Stewart
audio
eye 0
favorite 0
comment 0
#192: Kai and I have something in common: We both left the comfort of a regular paycheck to focus on helping others with their personal finances. In our conversation we discuss: How much responsibility we place on financial literacy The truth about employers pulling credit scores The 5 Dangers of Buying Cheap and “Splaving” For full notes, visit https://moneyplansos.com/splaving-and-do-employers-check-credit-scores-interview-with-kai-yani
Money Plan SOS
Jul 9, 2015 Steve Stewart, Heather van der Hoop
audio
eye 2
favorite 0
comment 0
Heather van der Hoop from ThePennyHoarder.com comes on the show to offer these suggestions for creating an income - and many of them involve stretching your boundaries as a teacher. Also: The Top 10 Financial Oxymorons Full show notes can be found at https://moneyplansos.com/8-summer-jobs-for-teachers-and-destination-debt-freedom
Money Plan SOS
Jul 2, 2015 Steve Stewart, Jason Hartman
audio
eye 0
favorite 0
comment 0
#190: Jason Hartman only wants mortgage debt - and he will take out as much as he possibly can. Full show notes at https://moneyplansos.com/inflation-induced-debt-destruction-with-jason-hartman/  Jason Hartman has been investing since he was 20 years old and learned how inflation is the enemy of home equity but the golden goose of real estate income property owners (my words, not his). We first have to understand how inflation plays into this investment strategy: Jason says he is playing the...
Money Plan SOS
Jun 26, 2015 Steve Stewart
audio
eye 1
favorite 0
comment 0
#189: Are you a Pessimist or Opportunist? Take this quiz to find out! Full notes at https://moneyplansos.com/which-half-glass-investor-are-you/  Topics covered in this episode: Pessimists, Opportunists, and the Half-Glass Investor Quiz    How a GOOD credit score is all you need Ponda from the Honda   Cool resource for your email: Wisestamp (support the show by using this link) http://SteveStewart.me/wisestamp  
Money Plan SOS
Jun 20, 2015 Steve Stewart, Leah Bell
audio
eye 1
favorite 0
comment 0
#188: Leah Bell shares her story of growing $32k in student loan debt - and why it makes her angry! Upcoming webinars: July 1st: Get more out of your money by Spending Our Values http://MoneyPlanSOS.com/webinars June 23rd: Premium Podcast Player Showdown http://stevestewart.me/audacity-workshop-live-webinars/ In this episode: Leah Bell, The Angry Grad, did what she thought everyone does: Goes to college to get a degree. What she didn’t know was her chosen major narrowed her options just...
Money Plan SOS
Jun 5, 2015 Steve Stewart
audio
eye 1
favorite 0
comment 0
#187: An informed consumer is a better consumer. This episode will show how Credit Cards make money from processing fees.  I also give a few tips for reducing fees and a new way to send a friend money for free. Full notes at https://moneyplansos.com/how-credit-cards-make-money/    Infographic with credit and debit card statistics: http://www.dailyinfographic.com/the-hidden-plastic-economy Send money to a friend for free via your smartphone using Cash.me. Here's my...
Money Plan SOS
May 29, 2015 Steve Stewart, Jason Vitug
audio
eye 1
favorite 0
comment 0
#186: What could be better than taking a 30-day journey across the U.S. in a van? Full notes at https://moneyplansos.com/being-phroogal-on-the-road-to-financial-wellness-mpsos186/  Jason Vitug from Phroogal is leaving for a 30 day journey throughout the U.S. to promote financial wellness. Visit http://Phroogal.com/Road to find a location near you Also: Debit cards, auto-pay, bill-pay, and checks: There are multiple ways money can come out of our accounts. It's more important than ever to...
Money Plan SOS
May 21, 2015 Steve Stewart
audio
eye 1
favorite 0
comment 0
#185: It's impossible to be immune to card fraud, but you can reduce the opportunities of being a victim. In this episode I share steps you can take to use your Debit card responsibly and reduce the chance someone will steal your card. More information and full show notes with links can be found at https://moneyplansos.com/protected-but-not-immune-from-card-theft/ 
Money Plan SOS
May 7, 2015 Steve Stewart, Keith Bunn
audio
eye 1
favorite 0
comment 0
#184: Identity theft is no joke - and it's on the rise! Should you pay for monitoring? Full show notes at https://moneyplansos.com/what-makes-id-theft-companies-worth-the-cost-mpsos184/  Keith Bunn of CavusFinancialCoaching.com compared four companies to see if their services are worth the cost. Also in this episode:  'Ponda from the Honda - My mailbox is wasting a lot of energy Upcoming webinars and recent appearances Testimony from a listener who learned risk vs reward from an engineering...
Money Plan SOS
Apr 16, 2015 Steve Stewart
audio
eye 2
favorite 0
comment 0
#183: Dave Ramsey announced his new budgeting software - EveryDollar. It is awesome - and have many similar features to YNAB (You Need A Budget). Which premium budgeting software is best for you? Let's compare the different features and methods to identify the right one for you. Also: Holla from the Impala is changing. Listen to all the reasons you shouldn't buy a car from a long distance. For more information, visit the show notes at  https://moneyplansos.com/ynab-vs-everydollar-comparison/ 
Money Plan SOS
Apr 8, 2015 Steve Stewart, Carl Richards
audio
eye 1
favorite 0
comment 0
#182: Carl Richards was a ditch-digger, fell into a securities job, became a Certified Financial Planner, then became the Sketch Guy at the New York Times by drawing financial concepts on paper napkins. He released his second book, the One Page Financial Plan, and shares with us his journey from ditch-digger to NYTimes writer.   For a more complete list of notes with pictures and links, go...
Money Plan SOS
Apr 1, 2015 Steve Stewart, Joseph Michael
audio
eye 1
favorite 0
comment 0
#181: Joseph Michael is an average guy who saw a need and is now making 6-figures helping writers solve a problem. They love to use Scrivener - an incredible writing and organization tool - but had a hard time figuring out how to use it efficiently. Enter the Scrivener Coach. Joseph doesn't work for Scrivener but came up with an easy-to-follow, step-by-step video course that takes a lot of the guesswork out of the process. I've taken the course and am using Scrivener to create my Audacity...
Money Plan SOS
Mar 25, 2015 Steve Stewart, Dan Miller
audio
eye 2
favorite 0
comment 0
#180: The year 2015 marks the celebrates the 10th anniversary of Dan Miller's life-changing book "48 Days To The Work You Love". He joins me in a conversation about resumes, extra curricular activities, and creating your own career from nothing. Also, Debt Freedom Fighter Bob Lyons shares his success story of passing on a job opportunity, getting laid off, and then finding two companies battling for his employment - all without breaking a sweat because he was following a moneyplan. In...
Money Plan SOS
Mar 19, 2015 Steve Stewart, Brian Hoffman
audio
eye 1
favorite 0
comment 0
#179: What is BitCoin, how does it work and how can we get some? Brian Hoffman from OpenBazaar.org joins us to talk about this new payment option that will change the way we spend money - literally! Full show notes at https://moneyplansos.com/were-talking-bitcoin-with-openbazaar-mpsos179/
Money Plan SOS
Mar 12, 2015 Steve Stewart, Joan Sotkin
audio
eye 0
favorite 0
comment 0
#178: Joan Sotkin has been through market upswings and personal bankruptcies - and she sees things as opportunities, not failures. You can find out more about Joan at ProsperityPlace.com Full show notes can be read at https://moneyplansos.com/interview-with-joan-sotkin-mpsos178
Money Plan SOS
Feb 17, 2015 Steve Stewart, Farnoosh Torabi
audio
eye 0
favorite 0
comment 0
#177: Farnoosh Torabi is known for contributing to The Today Show and Money Magazine as well starting her own podcast - So Money. But today we are having a conversation with her about her most recent book: “When She Makes More: 10 Rules for Breadwinning Women” For more, visit https://moneyplansos.com/when-she-makes-more-with-farnoosh
Money Plan SOS
Feb 2, 2015 Steve Stewart, Derek Olsen, Carrie Olsen
audio
eye 1
favorite 0
comment 0
#176: Derek and Carrie Olsen help us discover if a marriage can survive a foreclosure. Full show notes with links at https://moneyplansos.com/divorce-proof-your-marriage-by-going-through-a-foreclosure-mpsos176/ 
Money Plan SOS
Jan 27, 2015 Steve Stewart, Lauren Greutman, Joshua Brown
audio
eye 0
favorite 0
comment 0
#175: The Greutmans are debt free and now employ Americans to run their small business - IAmThatLady.com. The Browns just paid off their HOUSE! What are they most excited about? Listen to the testimonies of two families with different reasons for killing their debt - and what it has done for them. Also in this episode: Holla From The Impala - The ONLY benefit from paying interest. Read the full show notes at https://moneyplansos.com/debt-free-testimonies-from-the-greutmans-and-browns
Money Plan SOS
Jan 8, 2015 Steve Stewart, Ryan Rhoten
audio
eye 0
favorite 0
comment 0
#174: UPDATE: Even bigger changes came since releasing this episode in 2015. In short: My business failed to grow but a new one EXPLODED in the first half of 2016. You can see what I'm doing now at https://SteveStewart.me  _______________________________________ ORIGINAL POST: Big changes are coming my way - and yours.  Listen to my plans to leave the day job, focus all my time on helping others get out of debt and build wealth. I also have a discussion with my Branding Coach, Ryan Rhoten....
Money Plan SOS
Dec 22, 2014 Steve Stewart, Clint Woodman
audio
eye 1
favorite 0
comment 0
#173: The sign on their front door says: "No Credit Cards". How can such a large chain exist without accepting credit cards? Clint Woodman, Vice President of Woodman's Food Market, shares the business side of accepting credit cards as a business and why they never have and never will accept credit cards - for the good of their customers! For more, visit https://moneyplansos.com/businesses-offer-more-savings-by-asking-debit-or-credit-mpsos173
Money Plan SOS
Dec 12, 2014 Steve Stewart, John Beidel
audio
eye 0
favorite 0
comment 0
#172: Tax specialist, John Beidel, joins me in a discussion about 15 Year-end Tax Saving Tips - an article from Betterment.com. Try Betterment for 30 days when using http://moneyplansos.com/betterment    For more information, visit the show notes at https://moneyplansos.com/year-end-tax-tips-conversation-with-john-beidel-mpsos172/ 
Money Plan SOS
Dec 4, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#171: New retirement contribution and income limits for 2015 have been released by the IRS.  Take the Debtor's Anonymous Quiz - 15 questions to help identify compulsive debtors. The perfect credit score has been achieved. How much will it cost YOU? Instead of a segment of Holla from the Impala I present to you: Audioblog while walking the dog I was interviewed by Mint.com. Read about the Convenience Economy and my trick to keep couples at the budgeting table (and you probably have a bottle...
Money Plan SOS
Nov 20, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#170: I'm answering listener emails: Patti emailed her concerns about "filling a void" by purchasing things she doesn't need and I answer the question "Should I pay off my $55k mortgage with savings?" For more information, visit the show notes at https://moneyplansos.com/ways-to-curb-an-addiction-to-shopping-mpsos170/ 
Money Plan SOS
audio
eye 1
favorite 0
comment 0
#169: Henry Rollins tells a debt free story. In the episode titled “10 things you don’t know about the almighty dollar” he tells a debt free story about America. It appears that Andrew Jackson was the first and only President to pay off all of America’s debt. LOVE IT! Listen to the episode for more about when America first got into debt  Watch the episode here (some restrictions apply): http://www.history.com/shows/10-things-you-dont-know-about/videos/the-almighty-dollar   Also on...
Money Plan SOS
Oct 30, 2014 Steve Stewart, John Pugliano
audio
eye 0
favorite 0
comment 0
#168: John Pugliano has more than 30 years of purposeful purchases behind him.  Full show notes at https://moneyplansos.com/looking-back-at-30-years-of-purposeful-purchases-mpsos168/ His wife was able to stay home with all 6 kids while he focused on his career. He retired early and has been able to help others learn how to invest in stocks. Is living on less than you make for 3 decades worth it? Hear for yourself. Also: Holla from the Impala and a listener's testimony.
Money Plan SOS
Oct 24, 2014 Steve Stewart
audio
eye 0
favorite 0
comment 0
#167: Is it possible to have a simple and fair solution to the US tax code? Yes, it's called the FairTax. 105 years ago the 16th Amendment was passed allowing the US Government to levy an income tax on corporations. Somewhere along the way things changed and we find ourselves buried under 74,000 pages of tax code.  Which is simpler: 74,000 pages or 133? The FairTax turns our complicated system into a medium sized book. The FairTax is much simpler: No more income tax withholding No more...
Money Plan SOS
Oct 16, 2014 Steve Stewart, Joshua Sheats
audio
eye 0
favorite 0
comment 0
#166: Listen to my debate with Joshua Sheats from Radical Personal Finance on various financial topics he deems to be dangerous to Dave Ramsey Show listeners. Links mentioned in this episode: Post: The shockingly simple math behind early retirement by Mr. Money Mustache  Book: Jacob Lund Fisker’s Early Retirement Extreme Episode: Joshua's plan for how I would become a Millionaire with a minimum wage job at Walmart   For more information, visit the show notes at...
Money Plan SOS
Oct 10, 2014 Steve Stewart, Lisa Emperador
audio
eye 0
favorite 0
comment 0
#165: Lisa left her job for another. She could have rolled her old 401k into the new plan, but she wanted more options. Full show notes and resources at https://moneyplansos.com/what-should-i-do-with-my-old-401k-mpsos165/ What should I do with my old 401k? Lisa Emperador is a young professional who changed jobs after accumulating $8,000 in her old 401(k). She had several options for what to do with the money. Lisa has a bunch of debt and could have cashed it out to pay down a car loan or...
Money Plan SOS
Oct 1, 2014 Steve Stewart, Anthony Sprauve
audio
eye 1
favorite 0
comment 0
#164: Even though FICO is celebrating 25 years as a publicly traded company, this is their very first audio interview. We are going to hammer out the clear and correct information about FICO and the credit scoring industry. Anthony Sprauve, Director of Public Relations at FICO, tells us the truth about: How FICO is able to capture our data from credit card companies, auto loans, student loans, etc. The relationship FICO has with the big three credit score bureaus: Experian, Equifax, and...
Money Plan SOS
Sep 24, 2014 Steve Stewart, Rey Brown
audio
eye 0
favorite 0
comment 0
#163: Rey Brown explains how the cell phone industry works and gives suggestions for saving money on a new plan. A full list of resources can be found at https://moneyplansos.com/save-money-on-your-iphone-and-cellphone-bill-mpsos163/
Money Plan SOS
Sep 11, 2014 Steve Stewart, Tom Corley
audio
eye 0
favorite 0
comment 0
#162: Tom Corley, author of Rich Habits, releases his new book Rich Kids. What are 5 activities that will guarantee your kids will avoid a life of poverty? What are the three paths to wealth? Are sports better than after-school activities? Listen to the show and find out. Much more information can be found at https://moneyplansos.com/rich-kids-with-tom-corley-and-coin-is-doomed-mpsos162/
Money Plan SOS
Aug 28, 2014 Steve Stewart, Walter Cruttenden, Jeffrey Cruttenden
audio
eye 1
favorite 0
comment 0
#161: What if you could invest your loose change at the end of the day? Now you can with Acorns. Acorns is an app taking advantage of new technologies and less expensive investment fees to allow anyone to start investing in ETFs from Blackrock, Vanguard and PIMCO.  ________ Take the #100challenge in September 2014. See how fast you can save or earn $100 more. Then apply the money to your next goal: Emergency Fund Pay down debt Car replacement fund Save for Christmas Etc... Share your progress...
Money Plan SOS
Aug 21, 2014 Steve Stewart
audio
eye 0
favorite 0
comment 0
#160: You can't turn on the TV or have a conversation with someone about money without the subject of credit scores coming up. With all that awareness you would think that everyone would have a basic understanding of how credit works. Unfortunately, there is a lot of miss-information being spread around. There are many myths surrounding the credit score; believing these myths can not only wreck your finances, but keep you from reaching your financial goals. For more information, visit the show...
Money Plan SOS
Aug 7, 2014 Steve Stewart, James Kinson
audio
eye 1
favorite 0
comment 0
#159: The first 6 steps to buying a cash car are laid out by James Kinson, the Cash Car Convert. He helps everyday Americans kick auto debt to the curb and make smart buying decisions when it comes to automobiles. For more information, visit the show notes at https://moneyplansos.com/steps-to-buying-a-cash-car-with-james-kinson-mpsos159/
Money Plan SOS
audio
eye 0
favorite 0
comment 0
#158: It is inevitable: Your debit card will be compromised some day. What happens when my debit card is stolen? Money will be taken out of your account Your bank may call you or you must call your bank when you find out The Zero Liability Policy will kick in The money will be returned to your account in short order Any insufficient fund charges will be removed by your bank You will be inconvenienced In this episode five individuals share the experiences of when their card(s) were compromised....
Money Plan SOS
Jun 29, 2014 Steve Stewart, John Lee Dumas
audio
eye 0
favorite 0
comment 0
#157: How was John Lee Dumas able to start Entrepreneur On Fire without ANY income for 9 months? John tells us how in this exclusive interview about how successful people spend money. Also, Suze Orman's Preferred Debit Card is no more and PerkStreet customers get money in the mail! For more information, visit the show notes at https://moneyplansos.com/debt-freedom-helped-john-lee-dumas-launch-enterpreneur-on-fire/ 
Money Plan SOS
Jun 16, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#156: Would you like to know how we paid for our vacation at a horse ranch without credit cards? It’s easy: We prepaid for our travel expenses with a debit card, prepaid for the week at a horse ranch by check, and paid cash for the rest. Oh, and we saved more than $160 by staying away from credit cards. In this episode I break down the different ways to pay for things like rental cars, souvenirs, and hotels - no credit cards necessary. The reason I stay away from credit cards will become...
Money Plan SOS
May 28, 2014 Steve Stewart
audio
eye 0
favorite 0
comment 0
#155: How much attention do you really need to give to managing personal finances? Here are 10 ways we pay attention to our money - and most of it doesn't involve a lot of time:   Always: Check remaining budget balances before spending. Daily: Enter transactions into your checkbook/software/YNAB Monthly: Balance checkbook/YNAB Monthly: Set up budget (again, we use YNAB) Quarterly: Review investments and retirement plans Annually: Rebalance portfolios and contribution amounts Annually:...
Money Plan SOS
May 15, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#154: It had been a hectic morning. I recorded two interviews before leaving for the airport but I made it to the terminal with plenty of time. About 100 passengers ahead of me were being rushed as their flights were affected by weather but I had plenty of time. No reason to panic - I've done this dozens of times: Print boarding pass Check a suitcase Head towards security Have ID and boarding pass ready Take out any liquids, aerosols or gels Take everything out of my pockets Place my shoes...
Money Plan SOS
audio
eye 1
favorite 0
comment 0
#153: 3 Debt Elimination Strategies that WORK! Any one of these debt elimination plans will work if you work the plan: Debt Snowball: Pay extra on the debt with the smallest balance. Debt Avalanche: Pay extra on the debt with the highest interest rate. Risk Reduction: Pay extra on the debt with the most risk. This could be back taxes or a loan from your mother (you don’t want to risk the relationship, do you?) Pros and cons: Debt Snowball: You pay more interest than the Debt Avalanche....
Money Plan SOS
Apr 17, 2014 Steve Stewart, Rachel Cruze
audio
eye 1
favorite 0
comment 0
#152: Rachel Cruze is a speaker, debt-free evangelist, part-time co-host of the Dave Ramsey show, known for being the inspiration behind the book “Careless at the Carnival”, and is soon to be a NYTimes best selling author for a book to be released on April 22, 2014 - Smart Money Smart Kids.  MoneyPlan SOS listeners wanted to know what she thought about these questions: Chris Pilon from Dadrenaline podcast: Aside from not paying commission, what did your parents do when you or Denise or...
Money Plan SOS
Apr 10, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#151: Kraig Mathias began his journey to debt freedom after blowing the engine on his car on a cross-country road trip.  We geek out over the math behind his car debt, then get inspired from his journey from debt freedom to creating independence. You can find more about Kraig at http://CreateMyIndependence.com Money tips: Save tons of interest by spending a little more on insurance Leave the plastic at home, even the debit card, for one Saturday. Just try it. For more information, visit the...
Money Plan SOS
Apr 1, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
HAPPY APRIL FOOLS DAY! I'm not here in this episode - I've commandeered three other shows that are not my own. Here's where I am today: Starve The Doubts where I turn the tables on Jared Easley and interview him on his own show! On the Cash Car Convert (usually by James Kinson) I talk about getting out of the car payment business. While Joe is in taking over my show I am also taking over the Stacking Benjamins show.  You can click on any of the links above for their (or should I say...
Money Plan SOS
Mar 28, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#149: People love their credit cards. Why? They aren’t valuable. They can’t be traded or sold. And they cost people a lot of money and often their freedom. I’ve been separated from my credit cards for over seven years and can tell you: I don’t miss them a bit. Now that I’m coaching people through their debt problems I get to hear all the same lies I used to say that justified my reason for keeping the plastic crutches. Here are some of the lies people tell themselves so they can keep...
Money Plan SOS
Mar 19, 2014 Steve Stewart, Tom Corley
audio
eye 1
favorite 0
comment 0
#148: The Daily Success Habits of Wealthy Individuals. Tom Corley joins me for a discussion about the habits of the rich. We also learn the 4 things that can make you un-fireable.   A short list of Rich Habits: Tom Corley published a number of Rich Habits, which you can find here: http://blog.richhabits.net/2013/02/28/20-things-the-rich-do-every-day-that-the-poor-dont.aspx The ones that took me buy surprise were: What Wealthy people do before work Habits of the Wealthy during the workday:...
Money Plan SOS
Mar 13, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#147: A new study released by FINRA reveals only 18% of millennials are able to correctly answer 4 out of 5 questions about finance.    Links mentioned in the show: FINRA releases results of study: http://www.finra.org/Newsroom/NewsReleases/2014/P456463 Take the quiz yourself by following this link: http://www.usfinancialcapability.org/quiz.php    The national average is 2.88 out of 5. How will did you do? Listen to the podcast for the answers. For more information, visit the show notes...
Money Plan SOS
Mar 6, 2014 Steve Stewart, Mitch Anthony
audio
eye 0
favorite 0
comment 0
#146: Mitch Anthony joins me in a discussion about redefining retirement. His book, The New Retirementality, helps us understand this relatively new word.  Resources can be found at http://moneyplansos.com/redefining-retirement-interview-with-mitch-anthony-author-of-the-new-retirementality-mpsos146/         
Money Plan SOS
Feb 21, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#145: Money can cause us to experience a large number of unnecessary anxieties. A number of things can help alleviate a majority of worries when it comes to money and finances. In this episode I give you five ways to reduce financial stress and make you feel more powerful, confident, and in control: Have $5,000 in the bank Automatically save money into a retirement plan  Have a Will Rent or live in a paid-for house Carry a $100 bill in your wallet For more information, visit the show notes...
Money Plan SOS
Feb 12, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#144: The sole benefit of Federal form Schedule A is to give us the opportunity to keep more of our hard-earned money. These are commonly referred to as “itemized deductions.” These are the tax deductions you want, and 3 you don’t.  For the list as well as links to Federal tax forms visit https://moneyplansos.com/tax-deductions-you-want-and-3-you-dont/
Money Plan SOS
Feb 6, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
#143: What happens to my credit score after paying off debt? In this episode I share survey results that show debt-free people aren't worried about their credit score. FICO says what's in your credit score FICO says your credit score is based on the length of credit, new debt, the variety of debts, how much debt you owe, and your payment history on debts. In short, you need to borrow money for a long time. More than likely you will end up paying interest. I'd rather be paid interest than...
Money Plan SOS
Jan 30, 2014 Steve Stewart, Eva Baker
audio
eye 0
favorite 0
comment 0
#142: This 17 year old has got some sense! Eva Baker started a personal finance blog at http://TeensGotCents.com and is learning a lot about how money really works. This will benefit her greatly when she strikes out in this world and makes her mark.  Eva tells the story of how she started a personal finance blog at age 16, how she budgets her money with a basic envelope system, and then speaks from her own personal experiences about why having a simple plan and broad goals is key for any...
Money Plan SOS
Jan 16, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
Before starting our debt-free journey we had $176,000 in retirement accounts but our net worth was only $74,000. What’s our secret for doubling our net worth in 8 years? We followed Dave Ramsey’s advice: We got on a budget. stopped borrowing money, paid off consumer debt, put money into emergency savings, increased retirement, and continue to put money aside for car replacement, new windows, etc. Find the full show notes at...
Money Plan SOS
Jan 10, 2014 Steve Stewart
audio
eye 0
favorite 0
comment 0
#140: Wendy had her credit card debt discharged when a collector broke the law. You have rights under the Fair Debt Collection Practices Act. Listen to Wendy's story and how she was legally able to discharge a debt she owed.  For more information, visit the show notes at https://moneyplansos.com/creditors-behaving-badly-mpsos140/
Money Plan SOS
Jan 2, 2014 Steve Stewart
audio
eye 1
favorite 0
comment 0
UPDATE: I didn't quite make it in 2014. Listen to my goals from 2 years prior to going pro with Financial Coaching. Full list of resources at http://moneyplansos.com/making-an-obsession-my-occupation/ 
Money Plan SOS
Dec 26, 2013 Steve Stewart, Tony Meggs
audio
eye 1
favorite 0
comment 0
#138: Are you covered by Health Insurance? It's the law, at least it will be in 2014. Medi-Share is a faith-based option that complies with the Affordable Care Act. Tony Meggs is the President and CEO of Christian Care Ministries. One of the best things they do is help Christians pay each other's medical bills through a third-party system that is pretty amazing.   For more information, visit the resources in the show notes at https://moneyplansos.com/medi-share-health-insurance-for-2014/
Money Plan SOS
Dec 19, 2013 Steve Stewart
audio
eye 0
favorite 0
comment 0
#137: Paying attention to our money, physical health, career, family, etc. allows us to reach our goals. Paying attention can be more important than talent and is second only to desire. Why paying attention is so important: Paying attention identifies where we are Paying attention shows us where the goal is Paying attention is the enemy of distractions Identifying where we are is the first step in setting a course towards the finish line. By focusing our attention on the goal we can easily...
Money Plan SOS
Dec 12, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
How do you talk to your parents about their money problems? When visiting with aging parents this holiday season, look for signals or cues for the inroads to talk with your parents about their money problems. It’s not comfortable, it certainly won’t be fun, but you want what is best for your parents. For more, visit the show notes at https://moneyplansos.com/how-to-talk-to-parents-about-their-money-problems/
Money Plan SOS
Dec 5, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
#135: Credit cards are against my religion. I shared my beliefs in a webinar on October 3rd. Only a handful of people have watched the video, which I understand; it was an hour long and you have better things to do. But there are other reasons I am bringing this message to you in podcast form today: The Devil doesn’t want you to hear this - credit cards are against my religion.  The Devil is at work There have been quite a few challenges trying to get this message to you:  1.  There were...
Money Plan SOS
Nov 26, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
#134: Thomas Stanley found several common denominators when he studied the wealth. Extras: In this episode I feature some of the conversations I had with Pat Flynn from SmartPassiveIncome.com and Dustin Hartzler from YourWebsiteEngineer.com. Good stuff! For more about being wealthy, check out the resources in the show notes at https://moneyplansos.com/7-common-denominators-of-the-wealthy/  
Money Plan SOS
Nov 21, 2013 Steve Stewart
audio
eye 0
favorite 0
comment 0
#133: The holidays are upon us. The year is almost over. Like it or not, the winter season is in full gear and more money changes hands in December than at any other time. It’s also the best time of the year. College students come home for the holidays, relatives send well-wishes in the form of [See more at https://moneyplansos.com/5-ways-to-save-money-in-december-mpsos133]
Money Plan SOS
Nov 14, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
#132: How To Pay for Things With Cash: An FPU Graduate's Testimony Financial Peace University is a 9-week course taught on DVD by nationally syndicated radio host Dave Ramsey. The class covers everything from how to control spending with a budget to real estate and investing for retirement. Millions of families have taken this course and [...] The post How To Pay for Things With Cash: An FPU Graduate's Testimony appeared first on MoneyPlan SOS.
Money Plan SOS
Nov 7, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
#131: It takes a lifetime to learn how money works. With the speed of change, the creation of new financial products and an overabundance of data that can be reached simply by tapping on your iPhone, you would think there are many things I was taught about finances that no longer apply today. For more information, visit the show notes at https://moneyplansos.com/financial-lessons-that-stand-the-test-of-time/ 
Money Plan SOS
Oct 31, 2013 Steve Stewart
audio
eye 1
favorite 0
comment 0
#130: The greatest tool that lets us live on less than we make is an option that has been around for ages: CASH. And it's not going away any time soon. The awesome benefits of paying with cash will make your budget go farther... Read more at https://moneyplansos.com/the-most-powerful-payment-option/
Money Plan SOS
Oct 23, 2013 Steve Stewart, Paula Pant, Lauren Bowling, Kim Parr, Lena Gott
audio
eye 0
favorite 0
comment 0
#129: LIVE from the FinCon Expo - find out if you know more about money and investing than financial bloggers. This show was recorded live at #FinCon13 in St. Louis on October 19, 2013. Personal Finance Bloggers competed for prizes by answering a variety of money-based trivia, filling in the blanks, and competing head-to-head in [...] The post FinCon13 Game Show recorded live from St. Louis appeared first on MoneyPlan SOS.
Money Plan SOS
Oct 16, 2013 Steve Stewart, Bob Lotich
audio
eye 1
favorite 0
comment 0
#128: Bob Lotich, Founder of ChristianPF.com (now Seedtime.com), has been a customer of Medi-Share for over four years. He shares the moments when he used them and how much Medi-Share saved him money when he broke his hand. What is Medi-share Medi-Share is a healthcare sharing program, also known as a "Christian Care Medical Sharing" program, where participants [See More at About Medi-share and Dissecting Cardmember Services]
Money Plan SOS
Oct 10, 2013 Steve Stewart
audio
eye 0
favorite 0
comment 0
#127: Where should I save my emergency fund? Should I begin with investing or put money away for my kids? These are the questions of a young couple that wanted to make sure they were saving money in the right places. This episode will give you a clear picture of how your extra money should trickle-down [...] The post Trickle-down Effect For Your Savings Buckets appeared first on MoneyPlan SOS.
Money Plan SOS
Oct 2, 2013 Steve Stewart
audio
eye 2
favorite 0
comment 0
#126: How To Get Away From Credit Card Debt Forever. These 4 Steps slowly weens you away from your dependency on credit cards. The old rules about credit cards no longer exist How long have we been hearing that debit cards are not as safe as credit cards? How many years has Suze Orman scared us [...] The post Get Away From Credit Cards Forever appeared first on MoneyPlan SOS.